Side-by-side · Q2 2026 data
Cenlar FSB vs Central Jersey Police & Fire Federal Credit Union
Credit union
Central Jersey Police & Fire Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Cenlar FSB | Central Jersey Police & Fire Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 0 | 93 (stronger) |
| Funding & liquidity | 50 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 47th | 90th |
| Total assets | $782.0M | $52.3M |
| Deposits / shares | $442.8M | $44.6M |
| Capital ratio | 16.56% (stronger) | 14.40% |
| Problem loans | 0.21% (stronger) | 0.48% |
| Net charge-offs | 0.00% | -0.19% (stronger) |
| Return on assets | -1.23% | 1.84% (stronger) |
| Loans ÷ deposits | 45.7% (stronger) | 67.6% |
| Uninsured deposits | 90.6% | 11.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Jersey Police & Fire Federal Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Cenlar FSB leads on 3 and Central Jersey Police & Fire Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.